Loans

Auto Loans

In the market for a new ride? Before you start shopping, it's a good idea to get pre-approved so you can go out and find a vehicle that fits both your needs and your budget. Take our auto loan payment calculators for a spin and complete your pre-approval application with some basic information—and we'll help get you on the road to start shopping!

Revved up yet?

Apply online receive an instant 24-hour approval*!

*Approval subject to credit qualification. Response times may vary. In some instances, members may be asked to contact the credit union before a decision is made on their application.

Auto loan pre-approval: Shop smarter with a pre-approved auto loan

Looking for a vehicle, but not sure what your options are? Our pre-approval process helps you shop smarter by setting a budget from the start, narrowing down your choices and saving time as you shop. Here’s what you can expect when you apply for a pre-approval today:

Complete your pre-approval application in less than 10 minutes. In a hurry? Log into your account on Shine Online Banking, and you'll be done in 5!

To fill out the pre-approval application, we only need some basic information that gives us an idea on what kind of vehicle you're looking for.

A Dupaco lender will be in touch with you shortly after the pre-approval application has been submitted to discuss your budget and financing options.

While you’re at it, request a free Money Makeover, and you could free up extra cash and potentially save thousands.

Still have questions about the pre-approval process? Check out our FAQs below.

Your auto loan financing and refinancing options

When you have your auto loan at Dupaco, you'll receive a great rate and a variety of loan terms to choose from, with personalized service you can count on. Plus, you can lower your loan rate through our Cooperative Loan Giveback, which rewards you with rate discounts for your credit union loyalty. See the Rates tab below for more information.

It pays to borrow from Dupaco. Thanks to our Cooperative Loan Giveback, you can receive bonus loan rate discounts off our already low rates. The more business you do with us, the more we can afford to return to you in the form of an even lower loan rate. Here are the relationship tiers used to determine Cooperative Giveback Pricing:

0.05% Rate Discount: Savings, Checking & Automatic Payment0.10% Rate Discount: Savings, Checking, $1,500 or more in a savings or loan account, direct deposit & automatic payment0.15% Rate Discount: Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card & any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan

Rate rewards for low loan-to-value: If your loan is less than 75% of the value of the vehicle or motorcycle you're purchasing, we'll knock another 0.15% off your loan rate! (Not applicable to boat and RV loans.)

Vehicle & Motorcycle Loan Rates3

Current as of: 2/22/2019

Loan Program

Term

Annual Percentage Rate (As Low As)1

Cooperative Giveback Rate (As Low As) 2

2017-19 Model Year

24 Months

4.19% APR

4.04% APR

2017-19 Model Year

36 Months

4.19% APR

4.04% APR

2017-19 Model Year

48 Months

4.19% APR

4.04% APR

2017-19 Model Year

60 Months

4.19% APR

4.04% APR

2017-19 Model Year

72 Months

4.44% APR

4.29% APR

2017-19 Model Year

84 Months

5.19% APR

5.04% APR

Loan Program

Term

Annual Percentage Rate (As Low As)

Cooperative Giveback Rate (As Low As)

2015-16 Model Year

24 Months

4.19% APR

4.04% APR

2015-16 Model Year

36 Months

4.19% APR

4.04% APR

2015-16 Model Year

48 Months

4.19% APR

4.04% APR

2015-16 Model Year

60 Months

4.44% APR

4.29% APR

Loan Program

Term

Annual Percentage Rate (As Low As)

Cooperative Giveback Rate (As Low As)

2013-14 Model Year

24 Months

5.44% APR

5.29% APR

2013-14 Model Year

36 Months

5.44% APR

5.29% APR

2013-14 Model Year

48 Months

5.44% APR

5.29% APR

Loan Program

Term

Annual Percentage Rate (As Low As)

Cooperative Giveback Rate (As Low As)

2010-12 Model Year

24 Months

6.29% APR

6.14% APR

2010-12 Model Year

36 Months

6.29% APR

6.14% APR

1Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice. Mini-Max Loans: Add 1% to conventional rates.2Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.3Auto loan payment example for illustrative purposes only: If you borrow $10,000 at 3.39% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $181.43. Over the life of the loan you will pay $885.52 interest.

Dupaco offers a lease-like option, too.

Want a newer car, but a smaller payment? Ask us about Mini-Max, the lease-like loan that makes getting a better set of wheels more affordable. Mini-Max is available for both new and used vehicles. Its flexible terms include:

No or low down payment

Low monthly payments (up to 40% less than the conventional auto loan)

Mileage plans for various driving habits

Plus, Mini-Max gives you several options at the end of the loan's term:

Keep the vehicle by paying or refinancing the remaining balance

Sell the vehicle to pay off the balance

Return the vehicle and walk away from further obligation (subject to vehicle condition & mileage)

Does Mini-Max sound like the right option for you?

Find answers to our most common Frequently Asked Questions here:

Is a pre-approval different than applying for a loan? Yes! When you apply for a pre-approval, your credit is checked in the same fashion as a regular loan. However, the difference lies in that the pre-approval doesn't require you to provide information about the specific vehicle you want to purchase, making this the ideal option if you want to determine how much you can borrow, while shopping around, in order to narrow down your choices. Check out the many advantages of getting pre-approved here.

How long does it take to get pre-approved? In most cases, the pre-approval application takes less than 10 minutes to fill out, and you may get a response right away. However, there are times when we have questions about your application or simply need more detailed information, and will follow up with a phone call before a decision is made. Either way, the confirmation message that comes up when you submit your application will let you know.

Will I be charged a fee for getting pre-approved? No. There is no cost to apply for a pre-approval or an auto loan online though Dupaco.

I found the car I want, now what? You are now ready to complete the loan process. Be sure to get in contact with the Dupaco lender that you have been working with. In most cases, you can sign paperwork electronically without having to come into a branch. Once all of the paperwork has been signed, the funds will be transferred into your account so you can complete the purchase!

Dupaco's got you covered with a full line of loan protection options:

Payment ProtectionPayment Protection* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Depending on the package you select, if a protected event does occur (and you’re a protected borrower or co-borrower on the loan), Payment Protection will cancel or reduce repayment of your loan debt—helping to lessen your worries, and your family’s worries, about paying loans during this difficult time.

Protected events include:

Loss of life, including those caused by acts of war

Disability, including those caused by acts of war

Involuntary unemployment

With Payment Protection, every eligible member pays the same fee and you only buy enough protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right amount of protection—no more, no less—while helping protect your family, collateral, and credit rating. For eligible borrowers, enrollment in the program is fast, easy, and immediate.

*Payment Protection is a debt protection product offered by Dupaco. Enrollment in this Payment Protection product is voluntary and not required to obtain a loan. Please contact a member of Dupaco’s Consumer Lending team for additional information on benefit maximums, eligibility, limitations, and a copy of your contract. DPGAP-0811-0FA8

Mechanical Repair CoverageMechanical Repair Coverage is optional protection available on eligible new and used vehicles, and protects you against many of the costly auto mechanical repairs no longer covered by your vehicle’s manufacturer’s warranty. Repairs can be made at any ASE Certified Mechanic, and the repair facility is paid directly by the plan; you only pay the deductible amount when repairs are completed. Three packages are available with varying amounts of coverage, and different deductibles. The warranty program also includes rental reimbursement, towing reimbursement, 24-hour toll free roadside assistance and emergency travel expense.

Guaranteed Asset Protection (GAP)GAP is an optional insurance designed to eliminate any unpaid loan balance in the event your vehicle is stolen or damaged beyond repair as a result of an automobile accident. GAP may cover the amount of the loan balance left after the payment from your primary insurance company and ultimately can help to protect your credit. Quite often when a vehicle is considered “totaled” the cash value is less than your outstanding loan balance. GAP coverage can ease that burden by paying the difference between the actual auto loan balance and the insurance settlement. The coverage is available on new, used and refinanced autos, and for your convenience the premium can be built into your loan payments or paid at loan closing.

Financing a car doesn't have to be complicated, and neither does finding the right car. Use AutoSmart to make vehicle shopping a whole lot easier.

Search for vehicles that meet your criteria

Compare vehicles and ratings

See trade-in values provided by Kelley Blue Book and NADA

Calculate your payment

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Comments (20)

EFT

Kim

• 57 days 17 hrs 10 mins 38 secs ago

We currently have an auto loan through you and payments are taken via EFT. I have changed bank accounts and am wondering how I change my EFT so it comes out of my new bank account.

Re: EFT

Dupaco Moderator

• 57 days 55 mins 44 secs ago

Hi Kim, we'll have a loan processor reach out to you and get your payments updated.

EFT

Kim

• 57 days 17 hrs 10 mins 38 secs ago

We currently have an auto loan through you and payments are taken via EFT. I have changed bank accounts and am wondering how I change my EFT so it comes out of my new bank account.

Re: EFT

Dupaco Moderator

• 57 days 55 mins 44 secs ago

Hi Kim, we'll have a loan processor reach out to you and get your payments updated.

Transfers

Letta

• 63 days 22 hrs 14 mins 38 secs ago

I have moved recently to this area. The Credit Union I am in now is 100 miles away to the nearest office. I now live 30 miles from Carroll. Can I transfer all my accounts to your office in Carroll without a lot of problems?

Re: Transfers

Dupaco Moderator

• 57 days 20 hrs 28 mins 8 secs ago

Hi Letta, yes, you can become a member at Dupaco and have all of your stuff transferred easily. :) We'll have someone at our Carroll branch reach out to you.

auto loan

Connie M

• 89 days 21 hrs 55 mins 15 secs ago

I was wondering if the due date could be changed so that I can do auto bill pay and keep them on time.

Re: auto loan

Dupaco Moderator

• 85 days 23 hrs 21 mins 10 secs ago

Hi Connie, we can certainly work with you on that and will have a member service representative contact you.

loan payment

Emily

• 121 days 15 hrs 58 mins 44 secs ago

I'd like to pay my dupaco auto loan with bill pay. What address do I use for the payee?

Re: loan payment

Dupaco Moderator

• 116 days 3 hrs 2 mins 31 secs ago

Hi Emily, you can use the following address for the payee:
Dupaco Community Credit Union
P.O. Box 179
Dubuque, IA 52004-0179

Loan Payments

Allison

• 366 days 21 hrs 12 mins 21 secs ago

I have set up an account with Shine Online, but I don't know how to pay my bill.

Re: Loan Payments

Dupaco Moderator

• 360 days 17 hrs 49 mins 41 secs ago

Hi Allison, we'll have one of our lenders reach out to you and walk you through the steps to make a payment on your loan in Shine.

Older vehicle rates?

wendy

• 367 days 14 hrs 14 mins 49 secs ago

What are the rates for cars older than 2009? Unfortunately, that is all I can afford.
Thanks

Re: Older vehicle rates?

Dupaco Moderator

• 360 days 17 hrs 47 mins 3 secs ago

Hi Wendy, we'll have one of our lenders reach out to about auto loan rates.

Salvage title

Drew

• 414 days 16 hrs 16 mins 15 secs ago

I was looking into a vehicle that has been repaired but is considered a salvage title. I don't want to pass up this vehicle being as good as it is. Do you finance people who are interested in a vehicle with a salvage title?

Re: Salvage title

Dupaco Moderator

• 410 days 51 mins 42 secs ago

Hi Drew, yes, we do finance vehicles with salvage titles.

auto loan

Robert

• 443 days 23 hrs 23 mins 59 secs ago

I would like to refinance an auto loan. Is it possible to get the 2.54% interest loan?

Re: auto loan

Dupaco Moderator

• 435 days 22 hrs 32 mins 20 secs ago

Hi Robert, we will have someone from our Consumer Loans department reach out to you. Thanks!

Car Loan?

Simeon

• 500 days 19 hrs 36 mins 14 secs ago

Can I take a car loan from Dupaco if I only have a saving's account at Dupaco. If yes can I have the loan funds transferred to another bank account?

Re: Car Loan?

Dupaco Moderator

• 500 days 3 hrs 7 mins 5 secs ago

Hi Simeon, yes, you can absolutely have an auto loan with just a savings account here, as that makes you a member of the credit union. :)
Once we have the loan approved and all signatures, we can wire the money to another financial or directly to the dealer - this would incur a $20 fee for the wire to be processed.
You can apply through Shine Online Banking or right here from this webpage, or you can give us a call or stop into your nearest branch.

payment

carol

• 534 days 12 hrs 35 mins 37 secs ago

Can i make my payments on line?

Re: payment

Dupaco Moderator

• 534 days 2 hrs 38 mins ago

Hi Carol, yes, you can make an auto loan payment via Shine Online/Mobile Banking. We'll have someone reach out to you and help step you through the process.

Delay a Pay

Dani

• 775 days 8 hrs 53 mins 52 secs ago

Do you offer delay a pay on a auto loan? If so,how much does it cost and is there a certain amount of time you have to make payments for in order to use this service. Some banks it was 6 months and others at least 1 payment

Re: Delay a Pay

Dupaco Moderator

• 774 days 1 hr ago

Hi Dani, We currently do not offer an option to delay payments on loans. If you are running behind, or if you know something may be coming up that would cause some issues making payments, we encourage you to reach out to our Member Solutions department at 563-557-7600 / 800-373-7600, ext 208.

Interest Rate on a 1999 Jeep

Mysti

• 961 days 22 hrs 48 mins 5 secs ago

I know interest rates are higher for older vehicles, what am I looking at for a 1999, Jeep Wrangler 5 speed- very good condition?
Can you give me an extimate? They are asking $4,000. Personal Sale

Re: Interest Rate on a 1999 Jeep

Dupaco Moderator

• 961 days 21 hrs 31 mins 32 secs ago

Hi Mysti, since everyone's situation is different, we will have someone from our Consumer Loans department contact you.

Auto loan

Joy

• 1173 days 20 hrs 4 mins 51 secs ago

I'm currently not a member (yet) and I wanted to know how long does one have to be a member to apply for a loan? How long does the process take and will I have to provide a down payment.
Thank you for your time.

Re: Auto loan

Dupaco Moderator

• 1173 days 2 hrs 2 mins 17 secs ago

Hi Joy, when you become a member, you can apply for your auto loan right away. The process and down payment amounts depend on your situation, so please feel free to stop in or give us a call.

Loan

Clarence F

• 1200 days 21 hrs 44 mins 14 secs ago

If I were to move a car loan from another bank to you, could I add anther car to that loan? The loan is for $11.000 and I would be adding about $22,000.

Re: Loan

Dupaco Moderator

• 1199 days 19 hrs 33 mins 41 secs ago

Hi Clarence, someone from our loan department will be in contact with you shortly.

Car

Bulldog

• 1268 days 22 hrs 28 secs ago

How long does it take to process an auto loan?

Re: car

Dupaco Moderator

• 1267 days 23 hrs 11 mins 4 secs ago

You can apply online, in person, or over the phone. If you are already a member it can be a same day process. If you have any additional questions regarding auto loans, please feel free to call our Consumer Loans department at 800-373-7600 or 563-557-7600, ext 202.

Does Dupaco have a minimum credit score requirement for a camper loan?

Re: Camper Loan

Dupaco Moderator

• 1402 days 1 hr 22 mins 50 secs ago

Tara,
It all depends on the situation. It may be easiest for you to stop into a branch and talk it over with one of our member service representatives!

I want to make extra payments on my auto loan

Jessi

• 1494 days 14 hrs 57 mins 53 secs ago

My husband and I want to make extra payments to our auto loan. Is it possible to pay online as the extra funds become available? Where do we do so? How? If not, can we send in a check?
Any guidance you can provide would be greatly appreciated.
Thanks,
Jessi

Re: I want to make extra payments on my auto loan

Dupaco Moderator

• 1493 days 33 mins 40 secs ago

Hi Jessi!
Extra auto payments can be made at any time. Members can pay however they feel most comfortable so online, in branch, or sending a check. The extra payments will push the next payment due date out so if they pay ahead and realize they are a running short on cash they can pay less the next month.

Refinance a car loan

Samira dogic

• 1532 days 15 hrs 14 mins 30 secs ago

We have just purchased a brend new car 2015 Kia sorento i would like to know would I have better deal switching and what intrest would I get loan amount is about 29922.55 and my intrest rate is 3.59 can you please give me a estaminet I'd love to go with my bank if that is possible

Re: Refinance a car loan

Dupaco Moderator

• 1529 days 20 hrs 6 mins 10 secs ago

Samira,
Feel free to use our online calculator! You can find it here: /loans/auto/calculators.html